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									   CTECU–Serving Employees of Chevron Corporation

                                       From your chairman
                                                                                                                          April 2010

    —Board of Directors—
          Michael Beard                During the first quarter of 2010, CTECU said goodbye to Wilcrest Branch Manager Doris Buzek,
         Vice-Chairman                 who died suddenly but peacefully in her home on New Year’s Day. Our condolences go out to the
             Mike Jung                 Buzek family. Doris will be missed as she was a part of the CTECU family since May 28, 2002.
         Johnny Van Etta               CTECU held its 58th Annual Meeting of the members on February 19, 2010. The attendance was
             Treasurer                 the largest since CTECU held its 50th Annual Meeting. It was great to see some old acquaintances
          Radney Turner                and meet some new ones. I encourage each of you to attend next year’s Annual Meeting.
   Bill Alvarez • Gary Cohen
Tana Daughtrey • Jackie Kapalski       The membership unanimously elected, Radney Turner, Johnny Van Etta, and Dell Vance to fill the
            Dell Vance                 three expiring 3-year directorship terms. Also, the membership unanimously elected Gary Cohen,
      –Audit Committee–                Tana Daughtrey, and Jackie Kapalski to fulfill three vacant unexpired directorship terms. Directors
             Chairman                  Cohen’s and Daughtrey’s terms will expire in 2011, while Director Kapalski’s term will expire in
           Glenn Ewan
   Rod Loper • John Hanten
                                       2012. Director Kapalski continues to serve as the CTECU President/Manager. I would like to
Kane Prestwood • Sharon Savage         express my sincere gratitude to the following members for serving on the Board of Directors during
          –Office Staff–               the past year: Mark Burnside, Charlie Hancock, Tom Janda, Gloria Robinson, James Ryan, Jim
       President/Manager               Thacker, and Pat Whitnel, with special thanks to Ms. Robinson and Mr. Hancock for serving as the
         Jackie Kapalski               CTECU Board Secretary.
       Assistant Manager
          Anita Woolley                CTECU continues to invest and protect your financial wealth by obtaining the best and safest
   Administrative Assistant            returns on our investments – your money. With the low interest rate environment continuing in
          Alice Freeland               2010, CTECU has been able to offer members very competitive mortgage loan rates via our
   Wilcrest Branch Manager             alliance with CU Members Mortgage. The combination of safe investments and competitive
           R Lynn Coats                mortgage loan rates as well as very competitive New and Late Model vehicle loan rates allows
  Downtown Branch Manager
         Orelia Peterson
                                       CTECU to pay a very competitive return on your deposits with CTECU.
           Loan Officer                At the March Board of Director’s meeting, the directors declared the dividend rates for the month
          Betty Clowers                ending March 31, 2010, as follows: Regular Share dividends at 0.90% rate yielding 0.90% APY*;
    Loan Processor /Teller
           Trinh Nguyen
                                       IRA Share dividends at 1.75% rate yielding 1.76% APY* and Share Draft dividends at 0.40% rate
  Assistant Branch Manager             yielding 0.40% APY*.
            Bianca Blak                *APY denotes Annual Percentage Yield.
            Sara Cantu                                                                              Michael Beard, Chairman
         Shaloma Lopez                                                                                                              CTECU
         Dianne Teasdale

        Information                                       CALL US TOLL FREE! 1-888-658-2328
     CTECU—Main Office
      4800 Fournace Place
    BTF-Bldg. B, Room 116
     Bellaire, Texas 77401
           P.O. Box 430
   Bellaire, Texas 77402-0430
     Phone: (713)432-6572
       Fax: (713)432-6561
                                       Tap into the power of CTECU with your next vehicle purchase and try “The Ultimate Car Buying
   CTECU—Branch Location               Experience” from Dealer Select and their Credit Union Certified Dealer Network. With new and
    3100 Wilcrest, Suite 141
                                       late model vehicle loan rates as low as 3.59% A.P.R.** and our “Certified” network of dealer
     Houston, Texas 77042
     Phone: (713)532-7570              representatives The Ultimate Car Buying Experience is at your Credit Union!
      Fax: (713)532-7578               Use our Dealer Select 123Car program, specifically designed for Credit Union members, to
 CTECU—Downtown Location               purchase that new or pre-owned vehicle you’ve been dreaming of. Our “Certified” dealer
   1415 Louisiana, Suite 100           representatives can show you why it really does Make A Difference when you purchase your new
    Houston, Texas 77002               vehicle from one of them! Our Dealer Select 123Car program eliminates the dealer headaches and
    Phone: (713)650-3400               hassles by giving our members the best possible car buying experience and we have the data to
      Fax: (713)650-3401
        –Office Hours–
                                       prove it! Their upfront approach will leave you wondering why you ever bought a vehicle any other
  M-F 8:00 a.m. until 4:00 p.m.        way!                 Request your free vehicle quote at It’s FREE and you won’t have to drive all
E-mail:           over town to find your perfect dealer representative. Go to for your simple loan
   Member Service Centers,             application form, complete and fax back to CTECU at 713/432-6561. Pre-approved loan*
a new service from CTECU. Visit        applications are good for 90 days! So hurry!            Certain restrictions apply: *For qualified applicants only. **APR denotes annual percentage
for a shared branching facility near   rate. Based on 80% financing. New & Late model cars, trucks, & SUV vehicles only. Not to
   where you live, work, or play!      be used for refinancing loans currently existing at CTECU.                                CTECU
Other Services Available
                                                             Funds Availability Policy Change Notice
Please check with us first!
                                        The Federal Reserve Board has finalized efforts to consolidate check processing sites due to the
    Notary (free of charge)
                                        significant decline in the volume of paper check processing. As a result, effective February 27,
      Postage Stamps
                                        2010, funds from certain check deposits will be subject to a faster availability schedule.
        Money Orders
     Traveler’s Cheques
                                        CTECU has changed our Funds Availability Policy. This notice describes the changes to that
    American Express Gift               policy. The changes are beneficial to you and are already in effect. This policy change applies to
   Cheques and Gift Cards               your transaction accounts.
       Cashier’s Checks
                                        Our previous policy provided that in some cases we could delay the availability of checks you
      CTECU MasterCard                  deposit for a longer period than we ordinarily would. Our previous policy also provided that in some
      payments accepted                 circumstances (which are described below) we could delay the availability of checks you deposit for
                                        an even longer period. Our new policy reduces the possible length of those hold periods to two
   Share Draft (checking)
                                        days and seven days, respectively.
   QwikCash ATM cards
     VISA check cards
                                        The following is a more complete description of the changes to our policy and the circumstances
 Pulse Select ATM Network
                                        when we might apply longer delays. For your convenience, we have highlighted the changes to our
   CO-OP ATM Network
                                        policy in bold italic type.
Credit Union Service Centers
                                        RESERVATION OF RIGHT TO HOLD - In some cases, we will not make all of the funds that you
      Holiday Closings
                                        deposit by check available to you on the same business day that we receive your deposit. Funds
         Memorial Day                   may not be available until the second business day after the day of your deposit. However, the first
         May 31, 2010                   $100.00 of your deposit will be available on the same day of your deposit. If we are not going to
                                        make all the funds from your deposit available on the same business day, we will notify you at the
      Independence Day                  time you make your deposit. We will also tell you when the funds will be available. If your deposit is
         July 5, 2010                   not made directly to one of our employees or if we decide to take this action after you have left the
        Information                     premises, we will mail you the notice by the next business day after we receive your deposit. If you
                                        will need the funds from a deposit right away, you should ask us when the funds will be available.

                                        LONGER DELAYS MAY APPLY – We may delay your ability to withdraw funds deposited by check
                                        into your account an additional number of days for these reasons:

                                            •We believe a check you deposited will not be paid.
                                            •You deposit checks totaling more than $5,000.00 on any one (1) day.
                                            •You deposit a check that has been returned unpaid.
                                            •You have overdrawn your account repeatedly in the last six (6) months.
                                            •There is an emergency, such as failure of communications or computer equipment.

                                        We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell
                                        you when the funds will be available. They will generally be available no later than the seventh
                                        business day after the day of your deposit.

                                        Please retain this amendment with the original Funds Availability Policy Disclosure provided to you.

                                        You are welcome to contact the credit union with any questions you may have regarding this
                                        change. Thank you.

                                                         2010 Annual Meeting Prize Donors (Vendors)

                                                       CTECU would like to thank all of our vendors who donated prizes to our
                                                        58th Annual Shareholders meeting. Those vendors were:

                                       AGBS Texas, Inc.                             Ideascope, Inc.
          Please Note                  Absolute ATM Services, Inc.                  Jim Ryan and the Grapevine Wine Club
   Your utilization of any outside
   program or product is neither       Auto Exam                                    Larry Plaxe, SVP, RBC Wealth Mgmt.
sponsored by nor endorsed by your
Credit Union, and your participation
                                       CU Employment Resources, Inc.                Marriott Houston Westchase Hotel
       in or purchase of any           CU Members Mortgage                          Nails Beautiful II Day Spa
   program/product is voluntary.
                                       Dealer Select                                Office Max
                                       Encore Bank                                  Total/1 Services
                                       For Members Only Insurance Services          Viking Express Freight Services
                                       Harland Clarke                                Worldwide Interactive Services

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